The utilization rate of Sam that carrying a balance on his credit card of $500, that having a limit of $1,500, is 33%.
What is credit card?Credit card is a plastic card that is used for withdrawing the excess amount from the bank account. This card is generally issued by the banks to their customers.
Sam's credit card use rate is 33 percent because he has a $500 load on his card with a $1,500 limit.
Therefore, the utilization rate is 33%.
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The five 10-year semi-annual coupon bonds listed below are of comparable risk and have the same call provision: 5 years of call protection (NC-5), after which bonds are callable at 105% of par in the 6th year and declining ratably thereafter (103.75, 102.5, 101.25 and par in years 7, 8, 9, and 10, respectively). Which of these bonds appears to face the highest call risk
The bond that has the highest call risk based on the groups is A bond priced at 90 with 8 years to maturity.
What is the call risk of a bond?This is the risk that a person that issues bonds would have to redeem the bond before it gets to its maturity. The bond would be a callable bond.
The holder of the bond is going to get value based on the price of this bond.
Complete questionThe five 10-year semi-annual coupon bonds listed below are of comparable risk and have the same call provision: 5 years of call protection (NC-5), after which bonds are callable at 105% of par in the 6th year and declining ratably thereafter (103.75, 102.5, 101.25 and par in years 7, 8, 9, and 10, respectively). Which of these bonds appears to face the highest call risk?
A bond priced at 90 with 2 years to maturity
A bond priced at 90 with 8 years to maturity
A bond priced at 105 with 4 years to maturity
A bond priced at 115 with 2 years to maturity
A bond priced at 120 with 2 years to maturity
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pls helppp...
19. A business provided the following information [Refer to image]. What was the total of the current liabilities?
a) 13 200
b) 15 400
c) 31 200
d) 32 700
Answer:
32 700
Explanation:
that is the answer 32 700
Angela's bank gave her a 2-year add-on interest loan for $6,440 to pay for new equipment for her antiques restoration business. the annual interest rate is 7.62%. how much interest will she pay? what are her monthly payments?
but i dont no the answer i think it is 1000 i dont no
The time frame for loan repayment for the borrower. Interest Rate: The rate of growth in the amount owing, typically represented as an annual percentage rate (APR).
What is loan ?Loan Payments: The sum of money required to be paid each week or month in order to fulfill the loan's conditions.
Interest rates have a big impact on loans and how much the borrower will ultimately pay. Larger interest rate loans have longer payback periods or higher monthly payments than lower interest rate loans.
For instance, if a borrower takes out a $5,000 installment or term loan with a five-year term and a 4.5% interest rate, their monthly payment for the next five years will be $93.22.
Calculation of Interest
Given in Question
Loan amount = $ 6,440
Interest Rate = 7.62 %
Time = 2 years paid monthly
[tex]6440*7.2%/12= 38.64 (monthly Interest)\\6440/24 = $ 268.34\\Total payment Monthly = 306.97\\[/tex]
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Phil paid $75,000 for his house. It is insured for $65,000. The market value is $85,000. The outstanding mortgage balance is $68,000, and he has to pay annual real estate taxes of $2,000. When Phil lists his house on his balance sheet, he should record: Group of answer choices $75,000 $68,000 $65,000 $70,000 $85,000
When Phil lists his house on his balance sheet, he should record D. $85,000.
What is the value of an asset on the personal balance sheet?Since Phil is not a business entity, he should use the market value of the house to record it on the balance sheet.
The balance sheet shows the current financial position (assets and liabilities) at a point.
Data and Calculations:House price = $75,000
Insurance = $65,000
Market value = $85,000
Outstanding mortgage balance = $68,000
Annual real estate taxes = $2,000
Thus, when Phil lists his house on his balance sheet, he should record D. $85,000.
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How does the truth lending act impact/benefit Lenders
The Truth in Lending Act (TILA) protects you against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide you with loan cost information so that you can comparison shop for certain types of loans.
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Which of the following aggregate planning strategies is known to lower employee morale? Group of answer choices back ordering during high demand periods counterseasonal product and service mixing changing inventory levels yield management varying work force size by hiring or layoffs
The planning strategies that is known to lower employee morale is varying work force size by hiring or layoffs.
What is Employee morale?Employee morale serves as the attitude as well as satisfaction that an employee shows in an organization, and this can be seen during their association with other employees as well as customers in that organization or a business.
Therefore , varying work force size by hiring or layoffs will reduce
Employee morale.
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why are office important explain briefly
Answer:
Office is important because it makes a collection of all things you need for a certain specific work.
Quinoa farms just paid a dividend of $2.95 on its stock. the growth rate in dividends is expected to be a constant 3.4 percent per year indefinitely. investors require a return of 15 percent for the first three years, a return of 13 percent for the next three years, and a return of 11 percent thereafter. what is the current share price
Based on the dividend growth rate and the required return on Quinoa Farms stock over the years, the current share price is $34.93.
What is Quinoa farm's current stock price?This is the sum of the present values of the dividends using the various required returns.
The dividends for the years are:
Year 1:
= 2.95 x ( 1 + 0.034)
= $3.0503
Year 2:
= 3.0503 x ( 1 + 0.034)
= $3.1540
Year 3:
= 3.154 x 1.034
= $3.2612
Year 4:
= 3.2612 x 1.034
= $3.3721
Year 5:
= 3.3721 x 1.034
= $3.4868
Year 6:
= 3.4868 x 1.034
= $3.6053
Year 7:
= 3.6053 x 1.034
= $3.7279
This allows us to calculate the terminal value at year 6:
= 3.7279 / (11% - 3.4%)
= $49.05
The current price is:
= 3.0503 / 1.15 + 3.1540 / 1.15² + 3.2612 / 1.15³ + 3.3721 / (1.15³ x 1.13) + 3.4868 / (1.15³ x 1.13²) + 3.6053 / (1.15³ x 1.13³) + 49.05 / (1.15³ x 1.13³)
= $34.93
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According to marketers, what happens when a frozen yogurt customer, radley, goes on social media promoting his preference about a yogurt shop’s service and flavor offerings?.
What happens when a frozen yogurt customer, radley, goes on social media promoting his preference is: he potentially generates new business.
Who is a marketer?A marketer is someone to help to market a company product by creating product or brand awareness so as to attract potential customers.
If he is promoting or creating awareness about his preference, this means that he had created a new business which he want people to know about.
Therefore he potentially generates new business.
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While creating its afi strategy framework, gordon's consultants decided what markets the firm should compete in. by doing this, what type of strategy did the company devise
By deciding what markets should the firm compete in, the Gordon's Consultants devised corporate strategy.
What is a corporate strategy?A strategy, which is a part of functioning of a business organization and involves highly efficient decision-making for the purpose of achieving its organizational goals, is known as a corporate strategy.
Hence, the significance of corporate strategy is aforementioned.
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It will be difficult to institute fiscal policy in a stabilizing manner because politicians will find
It will be difficult to institute fiscal policy in a stabilizing manner because politicians will find budget deficit more attractive during recession.
What is budget deficit?Budget deficit occur when the government spending or expenditure is more than the revenue.
It will be hard to institute fiscal policy based on the fact that politicians will find budget deficit more attractive during recession in which on the other hand they will be unwilling to run budget surplus when their is an expansion.
Therefore they will find budget deficit more attractive during recession.
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Sharing information with others is an effective reason to schedule a meeting. Group of answer choices True False
Answer:
Your answer would be True.
Explanation:
You own a small manufacturing business that produces widgets. You have spent $400,000 acquiring the fixed assets you need to produce widgets. Each widget costs you $3 to make and they sell for $25 each, so your variable cost is 12% of the overall revenue. At your current level of operating leverage, how many widgets must you sell to break even
At the current level of operating leverage, the small manufacturing business needs to sell 18,182 units of widgets to break even.
What is the break-even point?The break-even point is the level of production and sales required so that the entity does not incur any losses or earn any profits.
At the break-even point, the total costs (fixed and variable) equal the sales revenue.
Data and Calculations:Fixed assets = $400,000
Production cost of each widget = $3
Selling price per unit = $25
Variable cost per unit = $3 ($25 x 12%)
Contribution margin per unit = $22 ($25 - $3)
Break-even point in units = Fixed Costs/Contribution margin per unit
= 18,182 units ($400,000/$22)
Thus, at the current level of operating leverage, the small manufacturing business needs to sell 18,182 units of widgets to break even.
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Fill in the blank: If the project has a _____, then it may be worth it for the team to learn a more sophisticated project management tool. 1 point\
When a project has a large scope, then, it may be worth it for the team to learn with a more sophisticated project management tool.
What is a large scope project?These are project that involves large investment and of large scales.
Hence, these type of project may worth been learned with a more sophisticated project management tool by the team.
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You sign a contract to purchase a machine that will allow you to travel back in time and meet abraham lincoln. assuming that time machines don't actually exist (for now), what type of contract is this
The correct option is C). Void contract. It is void type of contract if you sign a contract to purchase a machine that will allow you to travel back in time and meet Abraham Lincoln.
What is void contract?Void contract is a formal contract between two parties, which is not authorized by the law and enforceable from the moment it was created.
A void contract is little differ from the valid contract. Void contract is not an actual contract, despite it is unenforceable.
Both void and voidable contract are null, but a void contract cannot be officially valid.
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What is the most widely consumed meat in the world?.
Answer:
Pork is the most widely consumed meat in the world.
What is the name of the website run by the u. S. Department of education where you can find information about your federal student loans?.
The name of the website is run by the US. Department of education informing about the federal student loan Federal Student Aid available on StudentAid.gov.
What is a website?
A website is referred to as a collection of World Wide Web sites available online, frequently with hyperlinks between them providing information related to the brand and helping to show business prospects.
The Federal student loan is a website operated by the US Department of education that helps to get information about the loans to the students. This will be operated with a unique username and password to get access to the information.
The creation of this website helps to provide loans to these students who are studying in schools and colleges and unable to pay their fees. These assists students in filling out the FAFSA and provides free information related to the programs.
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The ____ is a multiple choice examination that evaluates the skills of the applicants for enlistment in the US military.
The Armed Services Vocational Aptitude Battery (ASVAB) is a multiple-choice examination that evaluates the skills of the applicants for enlistment in the US military.
This is further explained below.
What is the Armed Services Vocational Aptitude Battery (ASVAB)?Generally, The Armed Services Vocational Aptitude Battery (ASVAB) is a multiple-choice test that assesses applicants' skills for enrollment in the United States military.
In conclusion, The United States Military Entrance Processing Command uses the Armed Services Vocational Aptitude Battery (ASVAB), a multiple-choice exam, to screen applicants for possible service in the armed forces.
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The effects of legislation on human resource professionals is important because: Multiple choice question. it seldom changes and is consistent in all states legislation affects only very specific functions in human resource management legislation affects all areas of human resource management court cases rarely change the effect of the laws and how they are interpreted in the workplace
The effects of legislative laws on human resource professionals are important as it affects all the areas covered under human resource management.
What is a human resource?Human resource is referring to the employees or workforce working or being employed in the organization by the HRs.
The legislation passed concerning HRM covers all the areas in which they are working. The areas can be the hiring of employees, monitoring their performance, compensation and rewards tracking, training regarding the projects of the company, induction of the company, etc.
Therefore, the laws relating to HRM would help HR managers in performing all the tasks in an efficient manner.
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XYZ Corp. issued 13 years ago at a coupon rate of 8 percent. The bonds make semiannual payments. If these bonds currently sell for 115 percent of par value, what is the YTM
Answer:
what is geography
Explanation:
what is geography?
A company's cost of capital is mainly determined by ______________. *
The cost of capital of a corporation is majorly dependent upon the capital structure.
What is capital structure?
The mix of various forms of finances used by a business to meet its capital requirements is known as the capital structure of such business. It may consist of equity, accumulated profits, and debts.
Hence, the capital structure determines the cost of capital of a company.
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Fractional reserve banking is useful for banks because it:
O A. allows the value of loans to exceed the value of cash reserves.
OB. combines the services of both commercial and retail banks.
OC. divides large accounts into smaller ones that are easier to
manage.
OD. pressures customers to accept higher interest rates on loans.
Statistical studies in which researchers control variables of interest are:.
Statistical studies in which researchers control variables of interest are called Experimental Studies.
What are the types of statistical Studies?In experimental studies and key output is data gotten from the experiment, this data can be used in several ways to interpret results.
There are basically three types of statistical studies and they are:
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It is now Prime Day, the deal is selling well, but you just got a call from the vendor explaining that they will not be able to fill any more units for the next 3 weeks. Your Instock Manager (Anjali Patel) says that we should cut the deal off early to preserve inventory for that 3-week period. What are the factors you would consider before deciding whether to cut the product off early
The factors that have to be considered are:
Competitor activityVendor relationshipImpact of negative experience on customersRevenue impactWhy these factors have to be consideredThe competitor activity is a factor worthy of consideration so that the company would not lose market demand to others.
Vendor relationship is worthy so that it would lead to a smooth flow. The impact on customers if high may cause customers to leave brand.
Impact of negative experience if very high would cause the customers to move away from the brand.
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When Jesse was fired, his supervisor told him the reason was that he did not meet performance standards. The supervisor assumed that would prevent Jesse from claiming he had been dismissed unjustly. What is the main flaw in the supervisor's assumption
Answer:
Jesse had been claimed disc unjustly
Explanation:
because the person is going to fire Jesse
The main flaw in the supervisor's assumption is People who file lawsuits for unfair termination typically contend that the real cause for the termination was different from what the employer said.
What is Supervisor?A supervisor is referred as an individual who has the art of directing and monitoring people or groups of people in an organization with pleasing efforts to timely accomplishment of tasks and help them to grow by providing better direction.
In the given case, Jesse's employer informed him that the reason for his termination was that he had fallen short of performance expectations. The manager believed that would deter Jesse from saying he was fired wrongfully.
The supervisor's assumption has a major fault in that most people who file claims for unfair termination claim that the underlying reason for the termination was not what the employer said.
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What is the length of the cash conversion cycle for a firm with $3 million in inventory, $1.5 million in accounts payable, a collection period of 40 days, and an annual cost of goods sold of $18 million
The length of the cash conversion cycle for a firm with $3 million in inventory is 70.41 days.
How to calculate the days?Days of inventory outstanding= 365/ Inventory turnover
Formula for calculating inventory turnover:
Inventory Turnover = Cost of Goods Sold/Average Inventory
= $18 million / $3 million
= 6
Days of inventory outstanding= 365/ 6 = 60.83 days
Days of payable outstanding= 365/ Payables turnover
Payables turnover = Cost of Goods Sold/ Average Payables
= $18 million / $1.5
= 12
Days of payable outstanding= 365/ 12
= 30.42 days
Cash conversion cycle= Days of inventory outstanding + Days of sales outstanding – Days of payables outstanding
= 60.83 days + 40 days - 30.42 days
= 70.41 days.
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Tyler, a self-employed taxpayer, travels from Denver to Miami primarily on business. He spends five days conducting business and two days sightseeing. His expenses are $400 (airfare), $150 per day (meals at local restaurants), and $300 per night (lodging). If required, round your answers to the nearest dollar. What are Tyler's deductible expenses in the below year: 2023 $fill in the blank 1 2022 $fill in the blank 2
The deductible expenses for Tyler in these years are:
2023 = $22752022 = $2650How to solve for the deductible expensesAir fare = 400 dollars
Lodging = 300 x 5
meals = 150 x 5 x 50%
Total in 2023 = 400 + 1500 + 375
= $2275
The deductible for 2022400 + 5x150 + 5x300
= $2650
Hence the total deductible in 2023 = $2275
and in 2022 = $2650
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A mixed-market economy is best defined as an economy
with some government intervention.
without government intervention.
with some externalities.
without corporate compliance.
Answer:
A. with some government intervention
Explanation:
A mixed economic system is a system that combines aspects of both capitalism and socialism. A mixed economic system protects private property and allows a level of economic freedom in the use of capital, but also allows for governments to interfere in economic activities in order to achieve social aims.
A _____ allows those within the various organizational departments and positions to know exactly what are an individual's responsibilities..
A Job description allows those within the various organizational departments and positions to know exactly what are an individual's responsibilities. This is further explained below.
What is Job description?Generally, Job description is simply defined as a written statement of a worker's duties.
In conclusion, An individual's duties and obligations are laid out in a job description, which helps people in different organizational divisions and roles.
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Assume a bond has a $1,000 par value, a coupon rate of 6 percent, annual interest payments, and 7 years to maturity. If the yield on similar bonds is 8 percent, what is the current market value of this bond
Based on the value of the bond at par, the coupon rate, and the yield to maturity, the current market value of the bond is $895.87.
What is the current bond value?This can be found as:
= Present value of bond coupon payments + Present value of par value
Coupon payments:
= 6% x 1,000
= $60
As this payment is constant, it can be treated as an annuity.
Current market value is:
= (Coupon payment x Present value of annuity interest factor, 8%, 7 periods) + ( 1,000 / (( 1 + rate) ^ number of years)
= (60 x 5.2064) + ( 1,000 / 1.08⁷)
= $895.87
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